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You don't have to move home to move your mortgage.

As an Authorised Mortgage Intermediary and Independent Mortgage Brokerage, we are not "tied" to any one Lending Institution, and we can deal with Banks, Building Societies, and other Lenders on your behalf to obtain competitive interest rates and facilities to suit your own situation.

We can consolidate your existing mortgage and loans to reduce your total repayments.

We can also obtain remortgage finance in order to clear off loans you might have (subject to lenders terms and conditions apply). Contact us for individual details.

By re-mortgaging you can take advantage of the potential of lowering your mortgage interest rate, altering your mortgage term, and lowering your mortgage repayments, and the opportunity to release equity in your home to borrow additional finance to:-

  • finance the purchase of investment property
  • consolidate existing term loans
  • consolidate expensive credit card balances
  • clear off loan arrears
  • change/purchase car
  • home improvements
  • build an extension
  • refit your kitchen
  • redecorate your home
  • convert your attic
  • replace windows and doors
  • upgrade heating systems
  • holiday
  • education
  • finance purchase of a holiday home

All remortgages subject to lenders terms & conditions which apply.

Also, we can organise a re-mortgage to a mortgage that suits your future plans, flexibility in your repayment schedule, so you can pay more when you can - including lump sums, or less if your circumstances change (subject to a minimum payment).

By paying more you could cut years off the term of your mortgage and own your home outright much sooner. You could do this when it suits you, saving money in interest payments over the term of your mortgage.

A mortgage that calculates interest when you make each repayment. That way your mortgage balance is reduced at the same time, rather than yearly. This way you will pay less interest to the Lender.

You can switch your mortgage from endowment to annuity, or change to a tax efficient pension mortgage (if applicable).

You can borrow up to about 90% of the value of your home.

You can choose all types of mortgage facilities from annuity/repayment, to investment, and even interest only or pension mortgages - depending on suitability in each case and subject to the usual Lenders conditions.

You can top-up your mortgage loan - subject to the usual lenders conditions.

See our sections on:

Fixed rates and variable rates are available and are dependent on the movement trend in mortgage interest rates. Generally, variable interest rates will save on repayments in the long term, but fixed rates offer security in size of payment and hence peace of mind.

We can advise you on re-mortgage options available to your own situation, and can apply for you to the Lending Institutions to obtain the re-mortgage facility. We can arrange the whole process for you including obtaining the finance, surveyor, solicitor, and insurances on your behalf.

We can do all this through the Post with you - you don't have to meet the Lending Institution. This is one of the main benefits of Ellison Financial Consultants Mortgage Brokerage facility.

Contact us for a personal re-mortgage advice report and quotation on your own situation.

Consumer Credit Act, 1995, Mortgage Finance

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

Mortgage Switch:-

Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

Equity release:-

Warning: Purchasing this product may negatively impact on your ability to fund future needs.

Interest only Mortgage:-

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Variable-rate residential mortgage:-

Warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may loose your home.

Fixed rate mortgage or loan:-

Warning: You may have to pay charges if you pay off a fixed-rate loan early.


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Dr Gary Ellison t/a Ellison Financial Consultants is regulated by the Central Bank of Ireland. Member of the Professional Insurance Brokers Association (PIBA)